{
  "docId": "019dd923-5ca1-7489-b633-f38eb376832b",
  "docSlug": "2d4845138580cb14",
  "documentTitle": "Saudi Arabia Banking Pulse Quarter 3, 2022",
  "authorId": "AlvarezMarsal",
  "authorName": "Alvarez & Marsal",
  "documentKindSlug": "consulting-deck",
  "documentKindLabel": "Consulting deck",
  "sourceTypeSlug": "strategy_consulting",
  "sourceTypeLabel": "Strategy consulting",
  "presentationDate": null,
  "orientation": "landscape",
  "aspectRatio": 1.778,
  "pageNumber": 15,
  "pageCount": 22,
  "prevPage": 14,
  "nextPage": 16,
  "slideType": "kpi_dashboard",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 22,
  "notes": "The chart uses a waterfall-style delta visualization to show changes in CoR between two quarters.",
  "elementsJson": [
    "headline_text",
    "bar_chart_grouped",
    "bullet_list",
    "footnote"
  ],
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019dd923-5ca1-7489-b633-f38eb376832b/15",
  "deckHref": "/decks/019dd923-5ca1-7489-b633-f38eb376832b",
  "deckJsonHref": "/decks/019dd923-5ca1-7489-b633-f38eb376832b.json",
  "deckAnchorHref": "/decks/019dd923-5ca1-7489-b633-f38eb376832b#slide-15",
  "components": [
    {
      "bbox": null,
      "kind": "callout",
      "text": "Aggregate cost of risk improved (-9bps QoQ) to 0.4% in Q3'22 compared to 0.5% in Q2'22",
      "attrs": null,
      "subkind": null,
      "toolName": "Visual emphasis",
      "toolSlug": "visual-emphasis",
      "confidence": null,
      "componentId": "019dd951-a674-768f-a075-8abd1b17e8f2",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.6,
        "w": 0.65,
        "x": 0.02,
        "y": 0.24
      },
      "kind": "chart",
      "text": "Cost of Risk (bps) – Net of Reversals",
      "attrs": null,
      "subkind": "bar-grouped",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "332f3b6f-8770-4652-a286-2b8dceda6885",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.5,
        "w": 0.28,
        "x": 0.7,
        "y": 0.25
      },
      "kind": "list",
      "text": "Aggregate cost of risk improved (-9bps QoQ) to 0.4% in Q3'22 compared to 0.5% in Q2'22. SIB reported a significant decline in the CoR (-125bps QoQ) followed by ANB (-31bps QoQ) and SABB (-22bps QoQ). CoR increased the most for BJAZ (+35bps QoQ) and BSF (+18bps QoQ) in Q3'22.",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "9db48959-8d4a-41c6-8915-8484ec97b774",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": null,
      "kind": "metric",
      "text": "Cost of Risk (bps): -9bps",
      "attrs": null,
      "subkind": "primary",
      "toolName": "Quantification",
      "toolSlug": "quantification",
      "confidence": null,
      "componentId": "019dd951-a674-768f-a075-8d4b84ce0a77",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.3,
        "x": 0.02,
        "y": 0.94
      },
      "kind": "source-note",
      "text": "Note: Scaling and some numbers might not add up due to rounding. Source: Financial statements, investor presentations, A&M analysis",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "93e61048-8ff2-4682-9f3a-f10793e40e72",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.05,
        "w": 0.6,
        "x": 0.02,
        "y": 0.07
      },
      "kind": "title",
      "text": "SIB and ANB majorly drove the aggregate cost of risk",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "25cc0246-7b01-48f4-bfe7-1e224370a8a7",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [
    {
      "metricRaw": "Cost of Risk (bps)",
      "numberRaw": "-9bps",
      "numberKind": "plain",
      "actionTitle": "SIB and ANB majorly drove the aggregate cost of risk",
      "calloutText": "Aggregate cost of risk improved (-9bps QoQ) to 0.4% in Q3'22 compared to 0.5% in Q2'22",
      "numberScale": null,
      "numberValue": -9,
      "metricFamily": "cost_savings",
      "numberCurrency": null
    }
  ],
  "tools": [
    {
      "name": "Action Titles",
      "slug": "action-titles",
      "agent": "Architect",
      "layer": "slide",
      "matchId": "019dd95a-10d4-718b-9f5a-c80302ce90ac",
      "evidence": "'SIB and ANB majorly drove the aggregate cost of risk'.",
      "confidence": 85
    },
    {
      "name": "Small Multiples",
      "slug": "small-multiples",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019dd95a-10d4-718b-9f5a-cd7261c9b4cc",
      "evidence": "Per-bank CoR bars compared QoQ.",
      "confidence": 80
    },
    {
      "name": "Von Restorff Effect",
      "slug": "von-restorff-effect",
      "agent": "Designer",
      "layer": "slide",
      "matchId": "019dd95a-10d4-718b-9f5a-d3e32834f905",
      "evidence": "Two named outlier banks emphasised in title and chart.",
      "confidence": 70
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 15,
      "from": 2,
      "beatId": "019dd95a-0682-776c-8e36-e558fe4b740c",
      "arcName": "The Triple Take",
      "arcSlug": "triple-take",
      "beatName": "The Facts (What)",
      "beatSlug": "triple-take-the-facts-what",
      "evidence": "Foreword + macro then KPI-by-KPI quarterly data tables and charts.",
      "position": 1,
      "confidence": 75,
      "parentBeatName": "Setup",
      "parentBeatSlug": "setup"
    },
    {
      "to": 15,
      "from": 4,
      "beatId": "019dd95a-0682-776c-8e36-f699df889704",
      "arcName": "The Mountain",
      "arcSlug": "mountain",
      "beatName": "Rising Action",
      "beatSlug": "mountain-rising-action",
      "evidence": "Sequential KPI improvements: NIM, C/I, asset quality, cost of risk.",
      "position": 2,
      "confidence": 55,
      "parentBeatName": "Development",
      "parentBeatSlug": "development"
    }
  ],
  "loops": [
    {
      "to": 15,
      "from": 13,
      "name": "Pattern Hunter",
      "slug": "02-pattern-hunter",
      "bestFor": "Time-pressed audiences, building consensus, when data is strong",
      "matchId": "019dd95a-07fe-70ce-8d3f-86547e13593c",
      "evidence": "Three slides (asset quality, CoR drivers, per-bank CoR) build evidence of improving risk.",
      "position": 5,
      "objective": "Stack NPL, CoR drivers, per-bank CoR to show credit health pattern",
      "structure": "Evidence A -> Evidence B -> Evidence C -> Pattern/Conclusion",
      "confidence": 75,
      "description": "Group multiple pieces of evidence that together point to a pattern or conclusion"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}